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Northern Inland CU Personal Loans

Interested in borrowing from a lender that’s member-owned, community-driven, and family-oriented? Compare Northern Inland Credit Union personal loans below and use our repayment estimator to find a product that ticks your other boxes.

Compare NICU personal loans for

Loan Amount



3 months

Northern Inland Credit Union

Smart Personal Loan (Secured)

EST Monthly Repayment
EST Monthly Repayment
Advert. Rate (p.a)
Comparison rate
This is a fast and convenient way to get the things you want or pay for the things you need including consolidating debts, buying a boat, home renovations, holiday or investment, education, a dream wedding or household goods.
Northern Inland Credit Union

Smart Personal Loan (Unsecured)

EST Monthly Repayment
EST Monthly Repayment
Advert. Rate (p.a)
Comparison rate
This is a fast and convenient way to get the things you want or pay for the things you need including consolidating debts, buying a boat, home renovations, holiday or investment, education, a dream wedding or household goods. provides factual information in relation to financial products. While attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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Northern Inland Credit Union personal loans – Apply online

Northern Inland Credit Union is a financial institution with a lot of merits for borrowers. For starters, it’s owned and operated by local members. That means it offers tailored products and services to residents of Northern Inland (NSW).

As a lender with a 50-year long history, Northern Inland Credit Union has experience in helping members find smarter ways to manage their money.

BestFind covers what you need to know about Northern Inland Credit Union personal loans, so you can decide if this product is a good choice for finance needs like home renovations, weddings, medical expenses, and car purchases.

Northern Inland Credit Union personal loan snapshot

  • Amount – $5K to $100K
  • Terms – 1-7 years
  • Interest rate type – Fixed or variable
  • Pros – Flexible range of products; you can choose secured or unsecured loans as well as fixed or variable rate options.
  • Cons – The high minimum loan amount of $5K means you’ll have to consider other options if you need a smaller personal loan. There’s also an establishment and monthly fee to add to your borrowing costs. Additionally, members outside of the Northern Inland (NSW) area have no access to local branches.
  • Best for – Borrowers who like to browse through several options before they decide to apply, and who are looking for competitive rates, great customer service, large loan amounts, great repayment options, and the flexibility to apply online.

Types of loans offered by Northern Inland Credit Union

Here’s a breakdown of the different Northern Inland Credit Union loans and how each financial product works:

  • Unsecured smart personal loan. This is an excellent choice if you’re looking for a loan for any purpose, whether it’s travel, education, or a wedding. It comes with fixed or variable rate terms of 1-5 years and amounts of up to $25,000. Since you won’t be providing security for the loan, expect to pay a higher rate than other secured options.
  • Secured smart personal loan. Securing your debt with a vehicle or term deposit nets you a lower interest rate. You can also choose between fixed or variable rate terms and amounts between $5,000 and $100,000.
  • Car loans. Car buyers looking for finance from Northern Inland have three options to consider – a Brand New Car Loan, Used Car Loan, and a New Car Loan. Our guide on Northern Inland Credit Union car loans provides the details you need to know about this option.

Explained: Features of NICU personal loans

  • Fixed or variable rate options. Variable rates are lower than fixed rates, but your repayments can fluctuate. Fixed rate options, on the other hand, offer the same repayment amount throughout your loan’s life.
  • Tailored rates and terms. The rate and term you get depend on whether you’re offering security for the debt and the type of asset used. When you’ve got a suitable asset, you can use it to leverage a lower rate and a longer repayment period.
  • Extra repayments. Additional repayments are accepted.
  • Free redraw facility. That means you can withdraw a minimum of $200 from your pool of additional repayments when you’re short on cash.
  • Flexible repayment options. You can choose a monthly, fortnightly, or weekly repayment frequency. Use our Northern Inland Credit Union personal loan calculator if you wish to estimate your monthly repayment amount.
  • Fees and charges. There’s a $200 establishment fee and an $8 monthly fee. However, there are no redraw fees or early repayment fees.

What you need to qualify

You have to join Northern Inland Credit Union before you can enjoy any of their products or services. To qualify for membership, you must be an Australian resident willing to have your identity verified and buy a member share worth at least $10.

Junior members below the age of 18 years and non-locals are also welcome. To join, you can visit a branch with your original documents. Alternatively, submit a member application form online together with paperwork that has been certified by a solicitor.

During the application process, you’ll also need the following documents:

  • Proof of income and expenses – this includes payslips, statements from any other income such as Centrelink, and 3 months statements of loans from other financial institutions.
  • Self-employed individuals may also need to provide tax return details for the past two years and information from an accountant.

How to get a loan from Northern Inland Credit Union online

You can use this page as a starting point if you wish to apply for a Northern Inland Credit Union personal loan online. Scroll up to the table above and click “Go to Site.” This button leads you to the Northern Inland website, where you can submit an enquiry.

The process requires your personal information, contact details, as well as details of the product you want. Once you place an enquiry, Northern Inland Credit Union staff will be in touch.

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